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Worst experience ever.
I have sent the necessary documentation several times I get the same response. I have called several times and get the run around about why my claims are not being paid even though the customer service representative assures me that they will be. This has been a sham and I am angry that USAA would recommend such a lousy service to members. Perhaps I am the one bad experience here but something tells me I am not. If you are shopping for pet insurance, I would keep on shopping past Embrace.
Insurer: Embrace
By: Ruben
Prompt Reimbursement
Our Bichon Frise had bladder stones and required surgery. ASPCA reimbursed us for the surgery costs (minus the deductible) in a prompt hassle-free manner. The ASPCA pet insurance program fulfilled our expectations totally.
Insurer: ASPCA
By: David
VERY GOOD
I'M VERY HAPPY THAT MY DOGIE UNDER THIS INSURANCE. VERY SATISFIED WITH EVERYTHING
Insurer: ASPCA
By: Maria Dimaano
First time I had pet insurance...happy I got it!
I have had pets my whole life and never had insurance for them. Very happy I got this for both my cats. Staff was very helpful on the phone, as I have eye issues and need a bit of help with the claim forms. Just received my reimbursement for an issue for one of my boys, and it was processed quickly. Confident Trupanion will be there for me should I need them again.
Insurer: Trupanion Canada
By: Pamela
First time I had pet insurance...happy I got it!
I have had pets my whole life and never had insurance for them. Very happy I got this for both my cats. Staff was very helpful on the phone, as I have eye issues and need a bit of help with the claim forms. Just received my reimbursement for an issue for one of my boys, and it was processed quickly. Confident Trupanion will be there for me should I need them again.
Insurer: Trupanion
By: Pamela
Save the money you would spend...
Take the money you would pay monthly for this insurance and put it in a savings account for your pet - you will be much better served (my vet suggested this when I first got the policy. I should have listened). I obtained this insurance for my dog when he was about a year and a half old. He did have a couple of pre-existing conditions for which I did not expect coverage (torn ACL in back leg and food allergies). I had this insurance for 3 1/2 years and Nationwide/VPI has declined both claims I have made for my dogs veterinary needs to one of the two pre-existing issues (yes, my dog is quite healthy and I have made only two claims). As a side note, when you want to dispute a claim, they make it incredibly hard and time consuming to do so. Most recently, I received notification from Nationwide two months ago informing me that my payment option was expiring (credit card) and that if I did not update the information, my policy would lapse. I purposely did not update the information because I had decided I did not want the policy anymore (no payment was taken in April as expected.) Nationwide somehow found a way around the need for my updated information and began charging me again in May and June. I discovered the payments just after the June payment was deducted (the new charge had a 30% increase as well!) I immediately called them to find out how this happened and ask for a refund. The customer service representative simply said that they kept re-submitting the charge until the bank finally accepted it. I then explained that based on the information they sent me, I purposely did not update my information because I wanted the policy to lapse and I would like a refund. After a bunch of policy quoting and run around, I got no where except to have my policy cancelled as of today. If I want to attempt to receive a refund for the charges in May & June, I need to write a letter and provide supporting documentation to get it. This organization has demonstrated to me at each turn that the only thing that matters is the almighty dollar and they are going to do everything get and keep the money they received from their customers. I strongly, STRONGLY recommend that you do not choose this provider.
Insurer: Nationwide
By: michelle
Great Service and Support!
Thank you, Embrace...for helping me with Tinker's care. Your online and telephone support staff are helpful, kind, and courteous. I am so glad my veterinarian referred your company to me. Nancy and Tinker
Insurer: Embrace
By: Nancy
Very good company
We have been very pleased at their responsiveness. Claims payment has also improved greatly in the last year, since the online claim filing debuted. I don't know what we would have done without them when our dog was attacked by a much larger dog, and needed emergency surgery at out local university. They generally end up paying about 60% of total cost (80% of the allowed amount)
Insurer: ASPCA
By: Charlotte McLendon
Excellent!
Good coverage, excellent customer service and follow up.
Insurer: ASPCA
By: Linda C.
Decent insurance
Generally good insurance, although high rates per month (especially with Wellness plan). The rates that are considered customary and reasonable are quite low for someone living in NYC like myself. The claims process is easy and you're able to complete online.
Insurer: ASPCA
By: Tina Boyle